# 100 Percent Disabled Veteran Benefits for Spouse After Death
> 100 percent disabled veteran benefits for spouse after death: the 10-year DIC rule, $1,699.36 a month and up, CHAMPVA, DEA, remarriage ages, and the home loan.
Source: https://veteranhomematch.com/learn/disabled-veteran-spouse-benefits-after-death
*Author:* VeteranHomeMatch Editorial Team
*Reviewed by:* VeteranHomeMatch Editorial Review
*Published:* 2026-10-23
*Updated:* 2026-10-23
---
When a veteran rated 100% dies, the spouse's main benefit is **Dependency and Indemnity Compensation (DIC)**: $1,699.36 a month at the basic rate, tax-free, with more if the veteran was rated totally disabled for the 8 years before death and you were married for all 8, plus amounts for children or a disability of your own. If the death wasn't service-connected, DIC hinges on one rule. The veteran's disability had to be rated totally disabling for **10 years** before death (or continuously from discharge for at least 5 years, or 1 year for a former POW). CHAMPVA health coverage and DEA school money skip that clock. The VA home loan uses nearly the same clock when the death wasn't service-connected.
That's what most people asking about **100 percent disabled veteran benefits for a spouse after death** need to know, and most pages bury it. Below we go through each benefit, the 2026 dollar amounts, the remarriage ages (they don't all match), and what the change in income does to a mortgage budget. We don't file claims or give legal advice. VA and accredited service officers do that, and we point you to them.
- **The 10-year rule decides DIC when the death wasn't service-connected.** Under [38 U.S.C. § 1318](https://www.law.cornell.edu/uscode/text/38/1318), the rating had to be continuously total for 10 years before death, or continuously from discharge for at least 5 years, or 1 year for a former POW. A death from a service-connected condition qualifies with no clock.
- **DIC pays $1,699.36 a month to start** at VA's [December 1, 2025 rates](https://www.va.gov/family-and-caregiver-benefits/survivor-compensation/dependency-indemnity-compensation/survivor-rates/), plus $360.85 if the total rating and your marriage both lasted the 8 full years before death. That's still about $2,098 a month below the veteran's 100%-with-spouse check.
- **CHAMPVA and DEA don't need 10 years.** A permanent and total rating at the time of death is enough. The home loan's non-service-connected route does use the 10-year clock.
- **Remarriage ages differ:** 55 keeps CHAMPVA, 55 (on or after January 5, 2021) or 57 keeps DIC, and 57 is the line for DEA and the home loan.
- **A spouse receiving DIC pays no VA funding fee**, which is $6,450 on a $300,000 first-use loan with less than 5% down.
## Survivor benefits at a glance
| Benefit | What the surviving spouse gets | What has to be true | Remarriage |
| --- | --- | --- | --- |
| DIC | $1,699.36/month and up, tax-free | Service-connected death, **or** a total rating for 10 years before death (or continuously from discharge for 5+ years, or 1 year for a former POW) | Keep it if remarried at 57+ on or after 12/16/2003, or 55+ on or after 1/5/2021 |
| Month-of-death payment | The veteran's full compensation for the month they died | The veteran was receiving compensation | n/a |
| CHAMPVA | Cost-shared health coverage | Service-connected death, **or** rated permanent and total at death; you're not TRICARE-eligible | Keep it if remarried on or after your 55th birthday |
| DEA (Chapter 35) | $1,621/month for full-time college | Rated permanent and total, or died of a service-connected disability | Restored if remarried at 57+ on or after 1/1/2004, or the new marriage ends |
| VA home loan | A COE in your own name | Service-connected death, **or** nearly the same 10/5/1-year total-rating clock as DIC (the former-POW route needs a death after 9/30/1999) | 57+ and on or after 12/16/2003 for the service-connected route |
| Funding fee exemption | $0 funding fee | Receiving DIC as a surviving spouse | Follows DIC |
| Burial allowance | Up to $2,000 for a service-connected death on or after 9/11/2001; smaller amounts otherwise | Varies | n/a |
## DIC: two routes, and the 10-year rule
VA's [DIC page](https://www.va.gov/family-and-caregiver-benefits/survivor-compensation/dependency-indemnity-compensation/) gives three ways the veteran's side of a surviving spouse claim can qualify: a death on active duty or in training, a death from a service-connected illness or injury, or a death from something else when the veteran had a service-connected disability "rated as totally disabling for a certain period of time." For the spouse of a 100% veteran, the last two are the ones that matter.
### Route 1: the death was service-connected
If the condition that caused or contributed to the death was service-connected, DIC doesn't depend on how long the veteran was rated 100%, or on whether they were rated 100% at all. The claim turns on medical evidence linking the death to service. VA's DIC page says that evidence may include military service records, doctor's reports and medical test results. Compare the cause of death on the death certificate with the veteran's rated conditions, and raise any overlap with an accredited service officer.
### Route 2: the 10-year rule in 38 U.S.C. § 1318
When the death wasn't service-connected, a car accident for example, § 1318 says VA pays DIC "in the same manner as if the veteran's death were service connected" if the veteran was receiving or entitled to receive compensation for a service-connected disability rated totally disabling, and that rating was continuous for one of these periods:
1. **10 or more years** immediately before death, or
2. **at least 5 years** from the date of discharge or release from active duty, or
3. **at least 1 year** immediately before death, if the veteran was a former prisoner of war.
The marriage test for this route is in § 1318(c): you were married to the veteran for **one year or more** immediately before the death, or a child was born of the marriage (or to the two of you before it). VA's DIC page adds that you lived with the veteran without a break until their death, or weren't at fault for a separation.
Two limits in the statute and VA's rule catch people. Section 1318 doesn't cover a death that was the result of the veteran's own willful misconduct. And if you receive a wrongful-death judgment or settlement for the death, for example after a car accident, § 1318(d) and [38 CFR § 3.22(e)](https://www.law.cornell.edu/cfr/text/38/3.22) have VA withhold DIC under this route until the withheld amount equals the money plus the fair market value of any property you received. Social Security and workers' compensation don't count. Report any such recovery to VA, and don't deduct attorney's fees from the amount you report.
VA's DIC page defines "totally disabling" as injuries that made it impossible for the veteran to work, and [38 CFR § 3.22](https://www.law.cornell.edu/cfr/text/38/3.22) says a total rating "includes total disability ratings based on unemployability." So a veteran paid at the 100% rate through TDIU counts toward the clock. Section 1318 doesn't require a permanent and total (P&T) label. CHAMPVA does when the death wasn't service-connected (below). If the total rating started 9 years before death, didn't start at discharge, the veteran wasn't a former POW, and the death wasn't service-connected, route 2 doesn't pay. Route 1 is then the one to look at.
## How much DIC pays in 2026
VA's [DIC rates](https://www.va.gov/family-and-caregiver-benefits/survivor-compensation/dependency-indemnity-compensation/survivor-rates/), effective December 1, 2025, for a surviving spouse when the veteran died on or after January 1, 1993:
| Part of the payment | Monthly amount |
| --- | --- |
| Basic DIC rate | $1,699.36 |
| 8-year provision: total rating for the 8 full years before death, and married for those same 8 years | + $360.85 |
| Each child under 18 | + $421.00 |
| Transitional benefit with a child under 18, first 2 years after the death | + $359.00 |
| Aid and Attendance (you need help with daily activities) | + $421.00 |
| Housebound (you can't leave home because of a disability) | + $197.22 |
These payments are tax-free. VA's own example, a spouse with 2 children under 18 who qualifies for the 8-year provision and Aid and Attendance, comes to $3,682.21 a month for the first 2 years and $3,323.21 after the transitional benefit ends. If the veteran died before 1993, VA sets the rate by the veteran's pay grade instead.
What catches many families off guard is how far DIC falls below the veteran's own check:
A veteran rated 100% with a spouse and no other dependents received $4,158.17 a month at VA's [veteran compensation rates](https://www.va.gov/disability/compensation-rates/veteran-rates/). DIC with the 8-year provision is $2,060.21. The household loses $2,097.96 a month, or $25,175.52 a year, of tax-free income.
### The month-of-death payment
Under [38 U.S.C. § 5310](https://www.law.cornell.edu/uscode/text/38/5310), if the veteran was receiving compensation when they died, the surviving spouse is entitled to a benefit for the month of death equal to what the veteran "would have received... had the veteran not died." So the veteran's full payment for the month they died belongs to you. Report the death to VA promptly anyway. VA's DIC page points survivors to its death-reporting steps "so you can avoid debt from benefit overpayments."
## CHAMPVA after the veteran's death
VA's [CHAMPVA page](https://www.va.gov/family-and-caregiver-benefits/health-and-disability/champva/) covers you as a surviving spouse if the veteran died from a service-connected disability, or was "at the time of their death rated permanently and totally disabled from a service-connected disability." It doesn't have a 10-year test. The P&T rating that qualified you while the veteran was alive is the same test VA applies to you as a survivor. You also can't be eligible for or enrolled in TRICARE, so check your TRICARE status before you apply.
The other rules carry over. If you're eligible for Medicare, you need Part A and Part B (or a Medicare Advantage plan) to get or keep CHAMPVA. On remarriage, VA says you keep CHAMPVA if you remarry on or after your 55th birthday. Remarry before 55 and it ends on the wedding date. If that marriage later ends, you may qualify again from the first day of the following month.
## DEA education money for a surviving spouse
Survivors' and Dependents' Educational Assistance pays the student directly. At VA's [Chapter 35 rates](https://www.va.gov/education/benefit-rates/chapter-35-rates/) effective October 1, 2026, full-time college enrollment pays $1,621.00 for each full month. VA's [DEA page](https://www.va.gov/family-and-caregiver-benefits/education-and-careers/dependents-education-assistance/) says a spouse can get DEA and DIC at the same time. (A child receiving DIC has to give it up to use DEA; a spouse doesn't.)
Time limits depend on when you became eligible. If it was on or after August 1, 2023, there's no limit. If it was earlier, the usual limit is 10 years, but VA says that if it "rated the Veteran as permanently and totally disabled, and the Veteran later dies, you'll get another 10 years of eligibility." If you never used DEA while the veteran was alive, check your end date with VA before you assume it has passed.
Remarriage after the death ends DEA through that veteran, with two exceptions: VA restores the remaining benefit if the new marriage was on or after January 1, 2004 and you were at least 57, or if the new marriage ends through death or divorce.
## The house: loan eligibility, the funding fee and the income drop
**Your own VA home loan.** VA's [surviving spouse page](https://www.va.gov/housing-assistance/home-loans/surviving-spouse/) lists five routes to a Certificate of Eligibility. One is a veteran who "had been totally disabled and then died, but their disability may not have been the cause of death (in certain situations)." The situations are in [38 U.S.C. § 3701(b)(6)](https://www.law.cornell.edu/uscode/text/38/3701), and they nearly mirror DIC's clock: the disability was continuously rated totally disabling for 10 or more years before death, or at least 5 years from discharge, or at least 1 year for a former POW who died after September 30, 1999. If the death was service-connected, that clock doesn't apply. If you receive DIC, you request the COE with VA Form 26-1817. If you don't, VA has you file Form 21P-534EZ first. Our [surviving spouse VA loan guide](/learn/surviving-spouse-va-loan) walks through every route and the paperwork, so we won't repeat it here.
**No funding fee with DIC.** VA's [funding fee page](https://www.va.gov/housing-assistance/home-loans/funding-fee-and-closing-costs/) exempts anyone "receiving Dependency and Indemnity Compensation (D.I.C.) as the surviving spouse of a Veteran." On a first-use purchase with less than 5% down the fee is 2.15%, so a $300,000 loan skips $6,450. More on how the exemption works, and refunds when it's missed, is in our [VA funding fee exemption guide](/learn/va-funding-fee-disability-exemption).
**The mortgage you already have.** If the veteran had a Specially Adapted Housing grant and enrolled in Veterans' Mortgage Life Insurance, VMLI pays up to $200,000 of the remaining balance, and VA's [VMLI page](https://www.va.gov/life-insurance/options-eligibility/vmli/) says the money goes "directly to the bank or other lender," not to a beneficiary. Our [VMLI guide](/learn/veterans-mortgage-life-insurance) covers who has it.
**Re-run the budget on the new income.** If the house was bought on a 100% check, the payment was sized for $4,158.17 a month of tax-free income. DIC with the 8-year provision is $2,060.21. Before you refinance, buy, or decide to stay, run the numbers on what you actually receive now. VA's leftover-cash test is explained in our [VA residual income guide](/learn/va-residual-income-requirements), and the [VA affordability calculator](/calculator/qualify) gives a rough ceiling.
**Property tax.** States set these rules, and they differ. Texas extends its 100% disabled veteran homestead exemption to a surviving spouse who [has not remarried](https://comptroller.texas.gov/taxes/property-tax/exemptions/disabledvet-100-faq.php), if the home was the spouse's residence homestead at the veteran's death and still is. California's Board of Equalization says that once you remarry, ["regardless of age,"](https://www.boe.ca.gov/proptaxes/dv_exemption.htm) you no longer qualify for its exemption, even though some federal benefits continue after 57. Check our [property tax exemptions for disabled veterans](/learn/va-property-tax-exemptions-disabled-veterans) guide and your county assessor before the next bill.
## Remarriage rules side by side
| Benefit | You keep it (or get it back) if… |
| --- | --- |
| DIC | You remarried on or after December 16, 2003 at age 57 or older, or on or after January 5, 2021 at age 55 or older |
| CHAMPVA | You remarry on or after your 55th birthday (or a marriage before 55 ends) |
| DEA | The new marriage was on or after January 1, 2004 and you were at least 57, or the new marriage ends |
| VA home loan (service-connected route) | You didn't remarry before age 57 or before December 16, 2003 |
## Burial benefits, in one line
VA's [burial allowance page](https://www.va.gov/burials-memorials/veterans-burial-allowance/) lists up to $2,000 when the death was service-connected and happened on or after September 11, 2001, with smaller burial and plot allowances in other cases, and VA pays a set amount automatically to a surviving spouse listed on the veteran's profile.
## How to apply
Surviving spouses of veterans file VA Form 21P-534EZ, the Application for DIC, Survivors Pension, and/or Accrued Benefits. VA's DIC page says you can work with an accredited attorney, claims agent or Veterans Service Organization representative, upload through QuickSubmit, mail it to the Pension Intake Center, or go to a VA regional office. It also suggests an intent to file, which can hold an earlier effective date while you gather records. An accredited representative is worth finding if the 10-year clock is close or the cause of death might be service-connected.
## Bottom line
For the spouse of a veteran rated 100%, DIC is the benefit that replaces income, and it pays $1,699.36 a month to start in 2026. If the death wasn't service-connected, the veteran's total rating had to last 10 years before death (or continuously from discharge for at least 5 years, or 1 year for a former POW). CHAMPVA and DEA don't use that clock; a P&T rating at death is enough (CHAMPVA also requires that you not be eligible for TRICARE. DEA eligibility that began on or after August 1, 2023 has no time limit, and older eligibility tied to a P&T rating generally gets another 10 years after the veteran's death; check your end date with VA), the home loan follows nearly the same clock unless the death was service-connected, and DIC removes the VA funding fee if you buy. Then re-check your housing budget on the new income. If a home loan is next, [start with a 2-minute eligibility check](/start/loan-purpose).
## Frequently asked
### Does the spouse of a 100% disabled veteran get DIC if the death wasn't service-connected?
Yes, if the veteran's service-connected disability was rated totally disabling long enough. Under 38 U.S.C. § 1318 that means continuously for 10 or more years immediately before death, or continuously for at least 5 years from discharge, or at least 1 year before death for a former prisoner of war. The spouse also has to have been married to the veteran for at least a year before the death, or have had a child with them. Under 38 CFR § 3.22, a total rating based on individual unemployability counts.
### How much is DIC for a surviving spouse in 2026?
At VA's rates effective December 1, 2025, the basic monthly DIC rate for a surviving spouse is $1,699.36 when the veteran died on or after January 1, 1993. VA adds $360.85 if the veteran was rated totally disabling for the 8 full years before death and you were married for those same 8 years, $421.00 for each child under 18, $359.00 a month for the first 2 years if you have a child under 18, and $421.00 for Aid and Attendance or $197.22 for Housebound. DIC is tax-free.
### Does CHAMPVA continue after a 100% disabled veteran dies?
It can. VA's CHAMPVA page covers the surviving spouse of a veteran who died from a service-connected disability, or who was rated permanently and totally disabled from a service-connected disability at the time of death. There's no 10-year requirement for CHAMPVA. You also can't be eligible for or enrolled in TRICARE. If you remarry on or after your 55th birthday you keep it; if you remarry before 55 it ends, and you may qualify again if that marriage ends.
### Can a surviving spouse remarry and keep VA benefits?
It depends on the benefit. DIC continues if you remarried at 57 or older on or after December 16, 2003, or at 55 or older on or after January 5, 2021. CHAMPVA continues if you remarry on or after your 55th birthday. DEA is restored if you remarried at 57 or older on or after January 1, 2004, or if the new marriage ends. The home loan keeps the 57-and-December-16-2003 rule.
### Can the surviving spouse of a 100% disabled veteran get a VA home loan?
Often, yes. If the death was in service or from a service-connected disability, you qualify if you haven't remarried (or remarried at 57 or older on or after December 16, 2003). If it wasn't, VA's 'totally disabled and then died' route applies, and 38 U.S.C. § 3701(b)(6) sets nearly the same clock as DIC: a total rating continuously for 10 years before death, 5 years from discharge, or 1 year for a former POW who died after September 30, 1999. A surviving spouse who receives DIC doesn't pay the VA funding fee, which is 2.15% on a first-use purchase with less than 5% down, or $6,450 on a $300,000 loan.